whole and helps stop the flight of capital we have been seeing in the case of spain that does give the government some time to restructure the banking sector which it needs to do and deliver the reforms to get the economy going again. for us it would actually relieved the near-term pressure on spain's rating, to request support. liz: you would not see it as the negative if spain says we can't take it anymore and we need the bailout? what would you see as negative if you started to see the banks falter? some spanish banks just past the stress test but i don't know how much value you put in. you tell me. >> they identified there is a big capital shortfall in spanish banks and the numbers came up with in their worst case scenario was basically in line with our best case. we are somewhat more negative than those stress tests but we have taken some assurance in the market, it is within the 1 hundred billion hero on the low. spain already has agreed $100 billion loan from its e.u. partners to recapitalize its banks. so what would potentially push the rating down we have identified as our concern over t